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auto

Protect valuables in your vehicle

Do you ever leave your car unlocked when you make a quick stop? Many people do, which makes it easy for thieves to steal stereo equipment, CDs, expensive sunglasses or other personal property you may have in your car.

If this happens to you, you may be surprised to learn that your auto insurance policy covers only factory-installed items, or items that came with the vehicle when it left the plant.

Fortunately, many possessions you carry in your vehicle are covered under the personal property section of your homeowners policy. However, it’s a good idea to check with your agent to be sure you would be completely covered.

Even with the right insurance protection, it’s always important to take precautions that could help prevent a thief from breaking into your vehicle. Here are some tips:

• Lock all doors and roll up your windows—even for quick stops. It only takes seconds for a thief to strike.
• Don’t leave items exposed on a car seat or the floor. Also, don’t cover them with a blanket or jacket; it will only tempt a thief if it looks like you’re hiding something. Instead, lock your possessions in your glove compartment or trunk.
• Consider installing a car alarm. The attention attracted by a noisy alarm may scare off a potential thief.